Does my insurance cover single-vehicle accidents?

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Single-vehicle accidents account for nearly half of all motor vehicle fatalities nationwide. While most single-vehicle accidents are not severe, they are quite common. Given their frequency, Arizona drivers must understand how insurance companies handle single-vehicle accidents and what steps to take if they are involved in one. If you have auto insurance requirements and reside in or near Green Valley, AZ, reach out to the Insurance Center of Green Valley to secure the coverage that fits your needs.

Assigning Fault in Single-Vehicle Accidents

Arizona employs the at-fault method to determine responsibility for both single- and multi-vehicle accidents. Drivers involved in single-vehicle accidents are not always deemed at fault. Depending on the circumstances, the driver may be found not at fault (0%), partially at fault (1-99%), or entirely at fault (100%).

Apart from the driver, several other factors can contribute to a single-vehicle accident, including:

  • Obstacles or animals on the road
  • Poor road conditions, such as potholes
  • Adverse weather conditions like rain, fog, ice, snow, and wind
  • Obstructed or hidden street signs
  • Other vehicles negligently entering your lane or path, causing you to swerve or lose control
  • Vehicle issues due to errors by service technicians or vehicle manufacturers

Typically, each at-fault party is assigned a percentage of responsibility for the accident. As Arizona operates under the pure comparative negligence system, each at-fault party pays for the liabilities in proportion to their percentage of liability.

If you are involved in a single-vehicle accident, it’s important to obtain a police report and safely capture pictures or videos that document the factors leading to the accident.

The Insurance Center of Green Valley Advantage for Arizona

If you reside in or near Green Valley, AZ, our team at the Insurance Center of Green Valley will assist you in obtaining the auto insurance you need. Call us at (520) 648-1150 to schedule an appointment.